Health Savings Checking Account

If you have a High Deductible Health Plan an HSA Checking Account can help reduce out-of-pocket expenses.

HSA contributions, withdrawals for qualified medical expenses, and asset growth are all tax free.
You own and control the money in your HSA Checking Account. Funds can be used whenever you need them. Unused funds rollover from year-to-year, allowing you to save for future medical expenses. The money in your account is also yours to keep, regardless if you switch employers.
Taxable income is decreased by having an HSA, so fewer taxes need to be paid out.
Your accounts are insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit mycreditunion.gov to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.

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Qualifying Expenses

Use your HSA Checking Account to pay tax-free for:

Conventional medical expenses like doctor visits, prescription medication, dental, and vision care.
Treatments not typically covered by insurance including acupuncture, orthodontics, chiropractic care, and fertility treatments.

Note: Over-the-counter medication cannot be purchased with HSA funds without a doctor’s prescription. Additionally, HSA funds used to pay for non-medical purposes will be assessed a 20% tax penalty for the entire withdrawal.

HSA Checking Account Offers

No minimum balance, monthly service charge, or per check fees
Federal recurring payment, ACH, and payroll deposit-friendly
Free Visa® Debit Card

You’ll receive a free HSA Visa® Debit card to make it more convenient to pay for qualifying medical expenses, for use wherever Visa is accepted.

Additionally, when you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps your issuer know you’re really you, and it better protects you from fraud.
Free first box of checks